You Can't Make Enough Money To Outrun Your Stupidity! 

Cut my last CC ($300 limit) seven years ago, paid off the house three years ago, made my last $300 car payment Friday. On $37,000/year I'M DEBT FREE! Car payments will be diverted to investments.

I grew up in a basement apartment.. Mom , Dad and three kids. When I was 11 years old, my dad built us a house. Bigger than the apartment, but nothing fancy. People now want it all and live above their means.

9k left of 33,000 in student loans making 55k. Less than 5 digits finally I can see the finish line

“They’re not gonna repossess your grandpa” Dave 😂😂😂

This is why I like the move in silence “movement”. How did her uncle know she had that money? When you live in a super dysfunctional family and you want to get ahead, one way of doing that is keeping your plans to yourself.

Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.

"I just want to box your uncles ears" - Dave Ramsey

I live by, I don't lend money unless I'm writing it off as never getting it back. Then even if their "intention" is to repay me, it won't hurt me because it is no longer accounted for.

35:00 this hits home 😢... smh where was Ramsey 30plus yrs ago... it's like you have a crystal ball .... I am 49yrs old and I am just starting to learn how to say "no" and not feel guilty about it.

I strongly agree with downsizing to have the wife stay at home during those years. I grew up with a stay at home mom and I wouldn't have traded that for a better house to live in. Much better to have a parent at home to bring up the kids if possible.

Don’t ever lend any money you are going to be needing down the road. Lend money only if you are ok to part away with, if you get it back it is a win, if you don’t then the thing you lose is trust on that person.

I really agree, don't listen to broke people tell you what to do with money! I did that years ago, big mistake:(

“Unless you’re buying me a new car…” “Well, indirectly!!” 😂🤣

I have a manufactured home and I love that I am almost done paying it off. I have 8 acres with a view and 600 a month for a 4 bedroom home. In my area, where its very agricultural, they can go for 200,000 with the land. I don't regret my investment when I see my friends with big mortgages that stress them out.

1:13:00 "Very little debt, just $50k" Dude... I would consider that swimming in debt since it's not his mortgage.

My dad did this to me and my mom forced him to pay me back. She never got her money back. I just now got out of debt. It took many years.

Yeah that happened to me also when I was also 21 years old and living at home....with my father borrowing money from me for the mortgage, and I was living at home and going to school (California is expensive). He bullied me into saying "Well you want to live here don't YOU!" "You have to take care of family!" (He said the same thing). I was being bullied and let him borrow it. I was able to drive my mom's car during the summer while I was waiting on buying a car....I never got that cash back... BUT eventually I forced him to co-sign for a car bought at the end of the summer (I had no credit at the time). It was quickly when I learned that my childhood image of my father was NOT the same as an adult. He is not great at honoring his word with finances. He is an impulsive person. Ever since then I kept EVERTHING separate... no joint car insurance, no joint phone bills... nothing.

I sure hope Kathy is in a better place these days millions of miles away from her toxic uncle and family I wish her all the best from 🇦🇺 🤗😊🤗

George, I love the fact that you drive an '09 Honda Accord with body damage! Drive on.

Just started my financial peace university course! Half way through baby step one! In one day of work I’ll be done before the end of the month than tackle that debt with VENGEANCE💪🏾💪🏾

The key to giving to anyone is to never expect it back.

He actually did this to her when she was 18 as it was a year and a half ago. Which makes this so, so, so, much worse.

The uncle conned her to get the money for himself 💯

we traded a house payment that was 1700 a month for a paid off single wide house on paid off 2 acres of land (thanks to an enharitance) so I could stay home and homeschool our kids and it was the best decision we made and now were saving to build a house in cash in 10 years. downsizing is a great choice if it is what YOU want, dont worry about what other people think they are living like everyone else. we as a community are trying to change our family trees :)

🤔Who borrows $15,000 to pay a hospital bill? I worked in Patient Access (i.e. taking the money) for 4yrs. In most hospitals, there is a program called Financial Assistance, and he PROBABLY qualified for it. My heart goes out to the young lady. She learned a very expensive lesson. This makes me so mad, And makes me wonder if the hospital actually received all of the money🤦‍♀️.

Can I just say.... I love George and Dave together! My favorite!

That truck driver who called in is worse than a hot mess - he is financially and emotionally abusive!

George it made my heart hurt when u read the bad comments from people you are a fabulous co host!! dont pay any attention love ya!!!!xoxo

I love your boldness Dave about the lousy uncle without integrity.

When my kids say, “butthole” 😡 When Dave Ramsey says, “butthole.” 🤣

I will never understand how people can go on his show and ask the most airheaded questions

Oh what’s with the hate on George?! I met him in person when we visited the studio a few years ago, and George was so sweet and funny. By far my favorite personality of everybody!!!

Stay home and raise your own kids. Priceless

This sweet young lady is a prime example of why personal finance and money principles should be taught in school, starting from a very young age. I was lucky enough that my parents taught me, but if your parents aren't good with money, then where else are you gonna learn??

Absolutely love when Dave and George host! The two together are the best personality matches of the show. Love George's quick wit to match Dave's brilliance.

I hope the couple are enjoying their new baby and now able to move ahead on the same page for money, marriage and family.

Lol. I’m with George! I have a 2010 Ford Fusion I bought used with a few dings on it now. I don’t plan to get rid of it anytime soon. Not until kids outnumber it (realistically my husband and I will probably swap vehicles then- he has a 2014 Honda Pilot) or it no longer runs 😂! We are debt free and working on BS3B, BS4, and BS5.

Wow! This is the first time I listened to you. This is a little bit of everything. A lot about boundaries, values, God, straight forward and direct. LOVE.

**LAUGHING AND SPILLING COFFEE** Dave has thee BEST "Rich Dad" clap backs! The information is AMAZING and the jokes are the cherry! Bless you ALL!

Hi Dave and George, greetings from Surrey, England. I love your show. Nearly 100% debt free.

Don't ever loan money you can't afford to lose. Period. Larry Burkett said this I believe. Yes, I'm that old but debt free including mortgage on our house. I'm a stay at home wife now running an Airbnb in our home. More vacation rentals are coming as we build wealth. Thanks Larry Burkett and Dave Ramsey for your "wealth" of knowledge.

Stop caring about what people think about your life unless they pay your bills.

She would have been 18 at the time the uncle robbed her.

I LOVE GEORGE AND DAVE!! Love the dynamics, funny and educational, love it! Keep these coming 🙌🏼

Stay home with those babies!! Think about the childcare cost, clothes for work, mileage and wear and tear on the car...you'll use up her salary pretty much!! Hey George, keep your car, dude...I'm driving a 22 year old Honda mini van and it works great...not ready to drop 40k on a new car yet...have the money, but why, when you can drive a paid for vehicle.

"...the seven people left on FB..." LOL

The Ramsey kids were raised riding around in an Astro! I knew Rachel and I were twins! And it's "fewer"..."we need fewer children in this family." (Pet peeve)

That Pariah preyed upon his own family, disgusting! Be strong Cathy that idiot Uncle just showed you who he is and you don't have to ever deal with him again, he no longer exists.

I always get told these words, " Well, don't you want him/her to have a good life?" Step-family sucks most of the time.

@7:45 I feel personally attacked. I drive a 1994 Honda Accord that I've had since 2012. 300k miles, no payment, cheap insurance, and I couldn't care less about door dings if you could even find them at this point.

That call where uncle took 15k from the college kid really bugged me. 😕😳 Family and business Rarely works out.

I loan my brother $30000 to buy a home when I was 22 , he paid me back with interest

The sad thing is they have only been in the house 2 years and if you use a realtor to sell the house and you pay them 4-5% just to sell your house. Try to sell it yourself.

This is why you can't let anyone know you have a savings or any money. They come sniffing around. The moment I bought another car, my brother tricked me out of my older car. I should have told him I had a title loan on it. A few months later he turned around and sold my car for 4000. I never got anything out of it but a guilt trip.

Dysfunctional families: my mother-in-law gifted my son $20k over 2 years to pay for his college. My younger daughter begrudgingly got $10k. She always made it clear that my son was her favorite. She said she knew when my daughter was 3 years old and wouldn’t hold her hand (during her yearly visit from across the country), that they would never be close. She doesn’t understand why my now adult children don’t like her. 🙄

Yes! I love when Gorge Kemel on .. He my Favorite .. He tells it like it's..

Grampa is the only one legally responsible for his hospital bill, not Dad, Uncle and certainly not Granddaughter.

There might be an economical turmoil but there is no doubt that this is still the best time to invest.

I posted my Honda 2005 used on Facebook I felt like it was a brand new car man honestly Not having a car payment is the reason I’m a homeowner now I was able to save a really good down payment for a house

for our first child both my wife and I took 2 years off and stayed home. no debt except a house we purchased 5 years before. for the second kid (two years later) my wife took another two years off of work while i started working again. wife as a teacher new that will bump her retirement 4 years out (me a high school dropout). also knew our savings that we have will take a big hit. BUT that's what we valued more then MONEY. 17 years later (after the 1st child was born) NO debt what so ever, $750K+ in 401Ksss, $300K in payed off house and $200K+ in liquid (I know missing opportunities beening liquid) we can retire at 60 (in 10 years) and make more then when we worked. ****the point is we looked at our numbers, then set our priorities.*** what ever you choose in life, you are right as long as you don't look for others to do for you what you decided to do.

It’s what I’ve been saying for the last few years. Family is a double edged sword.

Love the Ramsey show and believe in most of what he says. I still use a credit card but use it like a debit card, always pay it off in full every month, and stick to my budget. I get 5% back on my CC purchases and no fees. Yes 5% back is not going to make me rich but it does add up!

1:06:36 George explaining 360 no scope killed me 🤣

You know what happens if you can't pay a medical bill? Talk to the hospital, not a 21 year old. What a scummy uncle. My wife had a 2 week hospital stay and a c-section last year and it cost 5k. We're in baby step 2, but eliminated all our saved money for the baby due to serious complications (leading to over 100 day NICU stay). A hospital will work with you, usually with a very low minimum payment and 0% interest. This sounds like the uncle wanted to scam her.

it is hard to say no to family for me

Funniest thing I head was on TikTok that Dave’s advise doesn’t work for millennials and younger because you have to have fun experience and make memories when young. 🤦🏻‍♀️🤦🏻‍♀️

Use all of the truth as much of your advantage as possible! I'm always surprised when people will not fight for themselves when they are in the riight!

"George that was said way too nice to hurt anyone's feelings."😀

Is this why money is the number one reason for divorce? Is financial infidelity cause for divorce? Can you have a healthy relationship without trust or respect? What is the solution? Separation? Divorce? Keep fighting?

I love the chemistry of these two!! So funny!!

I hope the uncle did pay the hospital bill and didn’t blow the money. Also, why would the uncle even know she had the money saved, keep your finances to yourself.

Give George a raise! He's really good

I agree, I work 6 nights a week to afford my wife’s van, truck and house. She just won’t let go of it

I love it!!! When Dave said, when Sharon said she was leaving that he was coming with her!!!!! I think I may have spit a little bit! 😂

George, you are wise beyond! I love you and Dave!

I’m up for the S.W.A.T Team Dave 👍🏻👍🏻👍🏻

1 was able to scale from 0 to 90 units and creative financing was a big way to scale fast. With it becoming a buyers market and people still wanting seller market home prices, creative financing is the win-win situation. Your price, but my terms. If you can master off market lead generation and creative financing, you can scale big in 2023. I still work a W2 as I stabilize my 90 unit portfolio.

George is fast becoming my favorite!

I'm struggling in this market. Stocks that I have held for months and made profits from are not behaving the way I'm used to so I’m quite indecisive on how to tackle this market, any advice would be grateful

Some blow through $100k in months without trying especially in expensive cities despite an $18 hr minimum

Anyone here from Cleveland Ohio? I need motivation coz this debt free journey is hard without cheering squad!!! Down to 60k from 78k in student loan in 6 months and I'm feeling the burn!!

If the money actually went to the grandpa’s bills…

They lose me everytime they tell someone to work full time and go to school full time. 9 times out of 10 that is not going to work.

Ransey Swat Team LOL

Since neither one of you has ever been pregnant and had to live with Jessica's husband and a bunch of other kids with no car, you might not know that WOMEN EVERYWHERE think she was very conservative in her decision. Hopefully, he'll get his head examined and REPENT. But if things don't work out, she can start a "go fund me" on Facebook for a good lawyer to make that jack*** pay for the van. I'll be the 1st to contribute.

How to determine if you are house poor when two of the four streams of income are self employed and edds and flows? We had started FPU again. The first time, We were winning and debt free and was paying off house and last car until our income stopped for two years and we went through emergency funds in six months, lost the car and house and started renting. Now with income again, we are now in a house again. But need direction about getting out of the debt we accumulated while out of work.

The call about the son cutting mom off hit home for me. My daughter did a similar thing to me. It's definitely not easy to deal with but it was her choice and I've told her my contact info hasn't changed..

Progressive is horrible. Not sure how Dave can say they are not bad.

Kathy, this is deja vu for me. I'm an elderly person but when I was extremely young, I married into a dysfunctional family. I was so naive and so easily intimidated. My husband was the same. He loaned our savings plus my college savings to a sister "in a jam". eed. I was trying to be a good Christian wife and went along with what he said. I have learned since that's not what Jesus intends for a Christian wife to go along with insane ways. Anyway, we never got the money back. Surprise surprise!! I was 17 years old I had worked very hard for my college money just like you. Needless to say I worked two jobs and went to college for a few years before dropping out. I so wish that I could have finished up and got my degree. I'm so thankful I'm out of that dysfunctional family. And I'm sorry that this happened to you Kathy. You are very sweet and you sound like you are easily intimidated and that's why you were the target. Just like we were at a young tender age. Never tell your family how much money you make, never tell your family if you have any money. It is no one's business. Never go into business with family either. I wish you the best dear. And I hope by some miracle that your scum uncle really will come through for you like a real man would.

Yes Dave Ramsey is King of every Christian Church!!! His Teachings are coming to our Church in January 2023!! Im sooo excited 😊😊😊My finances need total help🙏🏽🙏🏽🙏🏽

Want to see how people really are? Wait till money is involved.

They really took $15,000 from that baby😟

Hahaha. The comments were hilarious! I might start reading them from now on 😂 I think George is great. Especially together with Dave, the duo is hilarious. I think is the millennial comments he throws at Dave and Dave replies are the best

George Kamel is awesome!!!

My brother loaned me $2k. I paid him back. I’ll never hear the end of it.

"Great man, what's up?" - I did NOT see that coming! 😄

I wish Ramsay would suggest these low income people applying for financial assistance from hospitals when they have these huge medical bills.

My daughter asked in October I was her last hope to ask for $7000. They never were careful with their money. Her husband stayed home with the baby until she was 5 years old but he never even worked part time. I said no and she blocked me forever. Such is life

The college kid should not have let her finances be known. If the uncle is in his 40s, the dad probably on medicare...the uncle did not use the full 15k on hospital. She should go to his dad's family and inquire.She should also email or text every communication so he will admit in writing....maybe ask him if he can make payments, and his response may confirm the loan...Be very nice so as not to put him on defensive...

Forgiving outstanding debts is freeing. You don’t have to be upset with the person anymore because you converted it to a gift.